Insurance

Questions and Answers

Q
Does the person who buys the Rental Vehicle Insurance policy have to be the same person whose name is on the rental agreement?

Yes, the Rental Vehicle Insurance policyholder and the person who rents the vehicle must be the same person. Other people can drive the rental vehicle with permission of the renter.

Q
I am renting a vehicle in Ontario and driving to the United States for a vacation. Which Rental Vehicle Insurance policy do I need?

The rental policy you buy depends on where you rent the vehicle. If you rent in Ontario, you will need a Rental Vehicle Insurance Canada policy.

Q
My spouse/daughter/son/friend may be driving the vehicle I rent. Do they have to be listed on the rental agreement?

Manitoba Public Insurance has no requirement to list other drivers on the rental agreement for coverage to be provided. However, some rental companies require this for reasons other than insurance. It’s best to check with the rental company to confirm their rules.

Q
I have a Manitoba Rental Vehicle Insurance policy. Does that mean I can only drive the rental vehicle in Manitoba?

Your Manitoba policy just means that you rented the vehicle in Manitoba. You can drive the vehicle anywhere in Canada or the United States.

Q
If I need to keep my rental vehicle longer than I planned, can I extend my Rental Vehicle Insurance policy?

You will have to buy a new policy. You can make arrangements with your broker over the phone and they will fax you a copy of the new policy. The new policy must be concurrent to the first one, and payment must be made immediately by Visa or MasterCard.

Q
I'm renting a vehicle and travelling to Mexico. Does my Rental Vehicle Insurance coverage apply there?

Rental Vehicle Insurance only applies in Canada and the United States. Travel in Mexico is not covered.

Q
Can I buy a Rental Vehicle Insurance policy for a vehicle that I’m renting in Hawaii?

Yes, your Rental Vehicle Insurance coverage applies there. Hawaii is part of the United States.

Q
How do I know what to purchase - Rental Vehicle Insurance from Manitoba Public Insurance or the rental company’s CDW, or use my credit card coverage?

Rental Vehicle Insurance is usually more affordable than the rental company’s insurance and often provides more complete coverage. You have to do your homework on your credit card coverage. Each card may have exclusions that you may be unaware of until it’s too late.

Q
How much can I save by buying a Rental Vehicle Insurance policy?

You can save up to $25 per day over purchasing the rental company’s insurance coverage.

Q
I’m borrowing my cousin’s vehicle when I go to Calgary. Do I need Rental Vehicle Insurance for that?

Rental Vehicle Insurance is for any vehicle you rent or borrow with the owner’s permission. It’s a good idea to have a Rental Vehicle Insurance policy even when you’re borrowing a vehicle. It means that any person outside of Manitoba that you borrow it from won’t have to make a claim through their own insurance if you are involved in a collision. Plus, Rental Vehicle Insurance is the most insurance protection you can buy if you are unsure of the coverage on the vehicle you are borrowing.

Q
How do I make a claim for damage to a vehicle I rented?

You make your claim the same way you would if you are involved in a collision with your own vehicle. For a claim that happens outside of Manitoba, you call our Out-of-Province Claims line 1-800-661-6051 or fax 1-866-585-5660.

Q
If I’m hurt in a collision while driving a rental vehicle, are my injuries covered?

Your Rental Vehicle Insurance policy has Manitoba Public Insurance’s Personal Injury Protection Plan (PIPP) coverage built into it, so you are always protected no matter where you are when the collision happens.

Q
What if the rental vehicle company charges me for repairs?

Make sure you tell the rental company you have made a claim and that you have Rental Vehicle Insurance. If they do bill you, send the bill to the adjuster handling your claim.

Q
How can I save up to $25/daily on my rental vehicle?

Your saving is on the extra insurance sold by the rental vehicle company. In the United States, this can average as much as $25 per day. In Canada, the savings can average up to $20 per day. Even in Manitoba, you can easily save $5 per day over buying the rental company’s insurance.

Q
Who can purchase Rental Vehicle Insurance through Manitoba Public Insurance?

Rental Vehicle Insurance is only available to permanent or temporary Manitoba residents with a valid Manitoba driver's licence. A valid motorcycle licence is required to operate a motorcycle. Applicants must be at least 16 years of age, and any applicant under the age of 18 years must have a parent or legal guardian co-sign the application form. Rental Vehicle Insurance is not available to corporate customers.